- Best business gas cards
- How to get a gas card for business
- Choosing the right fuel card
- Cut fuel costs and take control with the right business gas card
A gas credit card is a type of business credit card that provides benefits specifically for fuel-related expenses. These cards offer rewards, discounts, or cash back on fuel purchases, making them a smart tool for businesses with vehicles on the road. Some cards offer flat-rate rewards at gas stations, while others give higher returns within certain networks or spending categories.
Best business gas cards
Every business uses fuel differently. A local delivery company might need a card that tracks driver spending and sets limits. A consulting firm with frequent travel could benefit more from flexible rewards on gas and general purchases.
The best business gas card isn’t one-size-fits-all. It’s about matching the card’s features, like rewards, controls, and reporting to how your business spends on fuel.
The Ramp Business Credit Card is a good option if you're managing a fleet or looking to tighten control over fuel spending. But if your business consistently fuels up at one brand, a brand-specific card, like the Shell Small Business Card, might offer deeper per-gallon savings.
Ramp Business Credit Card
- Advanced tracking and management tools for fuel expenses
- No fees or interest charges
- Savings on fuel purchases
- Not available to sole proprietors or unincorporated businesses
Ramp is built for businesses that want complete control over fuel spending, especially if you manage a fleet or track high volumes of gas purchases. It’s a strong fit if you need detailed visibility, strict policy enforcement, and seamless tracking built into your card program.
Key features
- Saves an average of 5¢ per gallon on fuel purchases
- Allows you to restrict card use to fuel-only transactions
- Matches fuel receipts to transactions automatically
- Sends real-time alerts for any out-of-policy spending
- Tracks fuel costs by truck, driver, or date for better reporting
- Supports odometer and VIN tracking for fleet oversight
- Charges no foreign transaction fees
- Works anywhere Visa is accepted
- Available to businesses with an EIN and $25,000 in a US business bank account.
Costco Anywhere Visa Business Card by Citi
- High cashback rate on gas purchases
- No annual fee with a Costco membership
- Includes dining and travel rewards
- Rewards are redeemable only once a year
- Requires a Costco membership
If you’re already a Costco member and spend regularly on fuel, this card offers solid value with high cashback rates on gas, dining, and travel. It’s best suited for businesses that don’t mind redeeming rewards once a year and want to earn back on a wide range of everyday purchases.
Key features
- Earns 4% cashback on gas and EV charging purchases worldwide, up to $7,000 per year, then 1% after the cap
- Offers 3% cashback on restaurant and travel purchases
- Provides 2% cashback on purchases at Costco warehouses and Costco.com
- Earns 1% cashback on all other eligible purchases
- Rewards are issued annually as a certificate redeemable only at Costco
- No annual fee with a paid Costco membership
- Requires good to excellent credit for approval
U.S. Bank Business Triple Cash Rewards Visa Business Credit Card
- High rewards in key categories
- No foreign transaction fees
- Statement credit for software subscriptions
- Limited reward categories
- High standard APR
This card works well if your business spends heavily on core operational categories like fuel, office supplies, and cell phone services. It’s a strong pick for maximizing cashback without overcomplicating rewards tracking.
Key features
- Earns 3% cashback on gas, EV charging (up to $200 per transaction), office supplies, cell phone services, and dining
- Offers 5% cashback on prepaid hotel and car rentals booked through the U.S. Bank Travel Rewards Center
- Provides 1% cashback on all other eligible purchases
- Includes a $100 annual credit for software subscriptions like QuickBooks and FreshBooks
- Offers a 0% intro APR on purchases for the first 12 billing cycles
- Rewards never expire as long as your account stays open
- No cap on total cashback earned
Bank of America Business Advantage Customized Cash Rewards Credit Card
- Customizable cashback categories
- No annual fee
- 0% intro APR on purchases
- Cashback rewards have spending caps
- Shorter 0% APR period
- Benefits may be tied to a Bank of America account
The Bank of America Business Advantage card lets businesses customize how they earn cashback. You can choose your highest-earning category based on where you spend the most, making it a good option if your expenses shift throughout the year.
Key features
- Earns 3% cash back in a category of your choice, including gas stations, EV charging stations, office supply stores, travel, and more
- Provides 2% cash back on dining purchases
- Offers 1% cash back on all other purchases
- 3% and 2% cash back rates apply to the first $50,000 each calendar year, then 1% thereafter
- Introductory 0% APR on purchases for the first 9 billing cycles
- $300 online statement credit after spending $3,000 in the first 90 days
- Preferred Rewards for Business members can earn 25%–75% more cash back on every purchase
Chase Ink Business Cash Credit Card
- If you spend a lot on office supplies or on internet, phone and cable services, this card caters to that
- Cardholders are automatically checked for a credit line increase every 6 months or sooner
- The card offers 5% cash back on Lyft rides through March 2025
- Earn 1% cash back on all other purchases with no limit
- Bonus cash back categories are capped at $25,000 in combined purchases per account anniversary year
- A foreign transaction fee of 3% is charged on purchases made outside the U.S.
- Cash back rewards are limited to 1% on all purchases outside the bonus categories
- 10% Business Relationship Bonus is only available if you have a Chase Business Checking account on your first card anniversary
This card is a strong option if your business consistently spends on office supplies, utilities, and gas. It offers high earn rates in everyday categories and charges no annual fee, making it ideal for practical, recurring expenses.
Key features
- 5% cashback on office supply stores and internet, cable, and phone services (up to $25,000 per year)
- 2% cashback on gas stations and restaurants (up to $25,000 per year)
- 1% cashback on all other purchases with no cap
- $750 welcome bonus: $350 after spending $3,000, plus $400 after spending $6,000 in the first 6 months
- 0% intro APR on purchases for 12 months
- Free employee cards with customizable limits
- Cashback earned as Chase Ultimate Rewards® points
Shell Small Business Card
- No annual fee
- Flexible fuel savings structure
- Detailed fuel tracking and management tools
- Fuel discounts limited to Shell stations
- Higher savings require large fuel purchases
This card is a good fit if your business fuels up primarily at Shell stations and needs basic controls to manage employee spending. It’s built for companies with regular or high-volume fuel needs and offers straightforward per-gallon savings.
Key features
- Saves up to 6¢ per gallon on Shell fuel when purchasing 5,000+ gallons per billing cycle
- Offers 3¢ per gallon savings on smaller fuel volumes
- Offers 15% discount at participating Jiffy Lube® locations
- Accepted at over 12,000 Shell and participating Jiffy Lube locations
- No minimum purchase required to earn discounts
- Includes roadside assistance through National Automobile Club (NAC)
- Provides online tools to track fuel expenses and generate reports
- Allows businesses to set spending credit limits for employee cards
Marriott Bonvoy Business American Express Card
- Elite status boost to Marriott Gold
- Annual Free Night Award
- Earn 4x points at Marriott and 2x points on travel booked through Amex
- Low earnings on non-Marriott purchases
- Limited utility for non-Marriott stays
- Modest annual fee
The Bonvoy Business card is ideal for businesses that spend on travel and want to earn hotel rewards instead of cashback. If you stay at Marriott properties often, it offers solid long-term value through points and perks.
Key features
- Earns 6X Marriott Bonvoy points at participating Marriott Bonvoy hotels
- Earns 4X points at U.S. gas stations, restaurants, wireless services, and shipping providers
- Earns 2X points on all other eligible purchases
- Offers 75,000 bonus points after spending $3,000 in the first 3 months
- Includes an annual Free Night Award (valued up to 35,000 points)
- Comes with 15 Elite Night Credits per calendar year toward Marriott status.
- Complimentary Marriott Bonvoy Gold Elite status
WEX Fleet FlexCard
- Broad acceptance at U.S. gas stations
- Supports business credit building
- Flexible payment options
- Discount rate depends on the fuel provider
- Extended payment terms incur additional fees
WEX designed the Fleet FlexCard for businesses that manage fuel expenses across fleets. It offers fuel discounts, detailed tracking tools, and customizable spending controls to help manage fuel costs effectively.
Key features
- Accepted at over 95% of U.S. gas stations, including major chains like BP, Exxon, and Shell
- Earns a 3¢ per gallon rebate for the first 180 days; rebate rates may vary thereafter
- Customizable spending controls: Set limits by product type, location, dollar amount, and time of day
- Driver ID and odometer readings required at the pump for added security
- Choose between paying in full or carrying a balance
- No setup, annual, or card fees for the FlexCard
- 24/7 U.S.-based customer support available for assistance
Discover Ramp's corporate card for modern finance
How to get a gas card for business
Getting a gas card for your business is quick and straightforward. Many cards offer fast approval, sometimes within minutes, allowing you to save on fuel immediately.
- Step 1: Assess your fuel needs. If you manage a fleet or have multiple vehicles, you’ll need a card that allows you to track and manage these expenses efficiently. For businesses that fuel up at one specific brand, a brand-specific card can help you maximize savings. On the other hand, if your team fuels at various stations, consider a gas card that offers broader discounts across multiple brands.
- Step 2: Understand the eligibility requirements. Before applying for a business gas card, make sure you meet the eligibility requirements. Most gas cards require an Employer Identification Number (EIN) and may ask for proof of income or a business bank account. For instance, cards like the Ramp Business Credit Card require a U.S. business bank account with a minimum balance, while others may be more flexible.
- Step 3: Choose the right card. When selecting a card, consider how your business uses fuel and what you need from it. Some gas cards offer straightforward fuel discounts, while others offer rewards on all purchases. If you need better control over fuel spending, look for cards with customizable spending limits and detailed reporting.
- Step 4: Submit your application. Once you've chosen the right card, you can apply online for the business card. The application will ask for business details like your EIN, business bank account information, and sometimes personal information. Most gas cards approve businesses quickly, often within a few days. Make sure you have all the necessary details ready to avoid delays during the approval process.
- Step 5: Activate and use your card. Once the issuer approves your application, they send your card in the mail. You’ll need to activate it, usually via the card issuer’s website or customer service. Once activated, you can begin using the card to pay for fuel. Set up any alerts or tracking tools available with your card to monitor your expenses in real-time.
- Step 6: Manage and monitor your account. After you start using your card, make sure to monitor it regularly. Most gas and fleet cards come with detailed reporting tools to track spending and ensure your business stays within budget. Some cards also allow you to set spending limits on employee cards to avoid unauthorized purchases.
Choosing the right fuel card
The right gas credit card depends on how your business spends. Whether you're the business owner, office manager, or fleet supervisor, you decide which card fits your operations. You need to weigh factors like where your team fuels up, how often, and what level of control or reporting you need.
Card comparison
- Save an average of 5 cents per gallon on gas
- Accepted anywhere Visa is accepted
- Provides detailed, custom reports for tracking fuel spend by truck, driver, or date
- Set custom fleet controls, including limiting card use to fuel purchases only
- Real-time alerts for out-of-policy transactions
- Automated receipt matching for fuel purchases
- No foreign transaction fees
- Supports odometer and VIN tracking
- Requires $25,000 in a U.S. business bank to qualify
Annual Fee
$0
APR
0%
Recommended Credit Score
None required
Rewards Rate
Save 5¢ per gallon on average
Costco Anywhere Visa Business Card by Citi- 4% cash back on eligible gas and EV charging purchases worldwide, including at Costco, for the first $7,000 per year; 1% thereafter
- 3% cashback on eligible travel and restaurants
- 2% cashback at Costco and Costco.com
- 1% cashback on all other purchases
- No annual fee with a Costco membership
- No foreign transaction fees
- Cashback is redeemable once a year as a rewards certificate, which can be used at Costco
Annual Fee
$0 with a paid Costco membership
APR
19.74%–27.74% (variable)
Recommended Credit Score
720–850 (good to excellent)
Rewards Rate
1%–4%
U.S. Bank Business Triple Cash Rewards Visa Business Credit Card- Offers between 1%–3% cashback on eligible purchases
- Not all purchase categories qualify for elevated rewards
- Introductory 0% APR for 12 months, followed by a high variable APR
- Annual $100 statement credit for recurring software subscription expenses
Annual Fee
$0
APR
17.99%–26.99% variable
Foreign Transaction Fees
3%
Rewards
Cashback
Bank of America Business Advantage Customized Cash Rewards Credit Card- The Bank of America Business Advantage Customized Cash Rewards Credit Card offers 3% cash back in a category you choose and 2% on dining, with a $50,000 annual cap on these bonus categories.
- It features a 0% intro APR on purchases for 9 billing cycles, followed by an APR of 18.49% to 28.49% variable.
- There's no annual fee, but it does have a 3% foreign transaction fee.
- While flexible, the spending cap on bonus rewards limits its appeal for big spenders.
Annual Fee
$0
Intro APR
0%
Regular APR
18.49%–28.49%
Rewards
Cashback
Chase Ink Business Cash Credit Card- 2% cashback on gas station purchases and dining at restaurants (on the first $25,000 in combined purchases per account anniversary year, then 1%)
- 5% cashback on the first $25,000 spent at office supply stores, internet, cable, and phone services per account anniversary year
- 1% cashback on all other purchases
- Offers a $750 bonus after spending $6,000 in the first 6 months
- 0% intro APR for 12 months on purchases, followed by a variable APR
- No annual fee
- Employee cards at no additional cost
Annual Fee
$0
APR
18.49%–24.49% (variable)
Recommended Credit Score
700–850 (good to excellent)
Rewards Rate
1%–5%
Shell Small Business Card- Up to 6¢ per gallon savings at Shell gas stations (for purchases of 5,000 gallons or more per billing cycle)
- 3¢ per gallon discount for purchases under 5,000 gallons per billing cycle
- No minimum fuel purchase requirements to qualify for savings
- Track and manage fuel expenses with detailed reports and spending controls
- No annual fee
- Online account management tools for monitoring expenses and setting spending limits for employees
- Roadside assistance with National Automobile Club (NAC)
Annual Fee
$0
APR
20.74% (variable)
Recommended Credit Score
640–850 (fair to excellent)
Rewards Rate
3¢ to 6¢ per gallon savings
Marriott Bonvoy Business American Express Card- Marriott Gold Elite status, which includes late checkout and free Wi-Fi
- Annual Free Night Award worth up to 35,000 Marriott Bonvoy points
- 4x points on Marriott purchases
- 2x points on other purchases
Annual Fee
$125
APR
19.99-28.99% (variable)
WEX Fleet FlexCard- Offers fuel discounts ranging from 1 to 5 cents per gallon, depending on the fuel provider
- Accepted at over 95% of U.S. gas stations
- Provides detailed reporting and fuel management tools
- Flexible payment terms (pay-in-full or extended payments with fees)
- Real-time alerts on fuel price changes at nearby stations
- Reports to Dun & Bradstreet for business credit building
- Customizable spending controls for employees
Annual Fee
$0
APR
Varies by payment terms
Recommended Credit Score
640–850 (fair to excellent)
Rewards Rate
1¢ to 5¢ per gallon savings
What is the easiest gas card to get with no credit check?
The Ramp Business Credit Card is the best easy approval gas credit card that only requires an EIN. There’s no credit check and all your business needs to qualify is at least $25,000 in a U.S. business bank account.
Discover Ramp's corporate card for modern finance
Cut fuel costs and take control with the right business gas card
A business gas credit card is a way to gain control over spending, simplify expense tracking, and improve cash flow. You don’t need perfect credit or a complex setup. In most cases, all you need is an EIN and a business bank account.
Ramp built its Business Credit Card for efficiency. They offer real-time expense tracking, fuel-specific controls, and savings at the pump, all with no personal credit checks or annual fees.
Whether you're managing a small team or a growing fleet, the right gas card helps you spend smarter. You stay organized, reduce waste, and make better financial decisions.
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